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MA's Q3 2025 results shine as cross-border travel and value-added services drive double-digit revenue growth amid rising costs and regulatory pressures.
Mastercard Incorporated ( MA ) KBW Fintech Payments Conference 2025 November 12, 2025 1:55 PM EST Company Participants Michael Miebach - CEO & Director Conference Call Participants Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Sanjay Sakhrani Keefe, Bruyette, & Woods, Inc., Research Division We're going to get started here. Please join me in welcoming Michael Miebach, CEO of Mastercard.
MA's rising earnings outlook and global momentum fuel optimism, but premium valuation and mounting regulatory risks temper enthusiasm.
Recently, Zacks.com users have been paying close attention to MasterCard (MA). This makes it worthwhile to examine what the stock has in store.
Mastercard remains a strong buy despite stablecoin competition. The company shows consistent 15% annual growth driven by expansion in consumer and commercial payments. While stablecoins pose a long-term threat, their impact should be gradual, leaving Mastercard's core business resilient and undervalued at current prices.
Mastercard is downgraded to "Hold" as its growth premium over Visa has narrowed to multi-year lows. MA's historical advantages in value-added services and payment volumes are now matched or surpassed by Visa. MA trades at a premium valuation, but its growth gap with V is expected to continue shrinking, making the premium less justified.
MA's Q3 earnings rose 13% year over year driven by strong cross-border volume and improved value-added services revenues, partly offset by higher general and administrative costs.
Mastercard Incorporated ( MA ) Q3 2025 Earnings Call October 30, 2025 9:00 AM EDT Company Participants Devin Corr - Executive Vice President of Investor Relations Michael Miebach - CEO & Director Sachin Mehra - Chief Financial Officer Conference Call Participants Bryan Bergin - TD Cowen, Research Division Darrin Peller - Wolfe Research, LLC James Faucette - Morgan Stanley, Research Division Jason Kupferberg - Wells Fargo Securities, LLC, Research Division Bryan Keane - Citigroup Inc., Research Division Harshita Rawat - Sanford C. Bernstein & Co., LLC.
Agentic commerce, stablecoins and steady consumer spending were among the highlights of Mastercard's third-quarter earnings report on Thursday (Oct. 30). CEO Michael Miebach said on the call that “we continue to see healthy consumer and business spending in the quarter with the macroeconomic environment still generally supportive.
Although the revenue and EPS for MasterCard (MA) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Mastercard Inc (NYSE:MA) outperformed expectations in Q3, lifted by healthy consumer and business spending. The company reported third-quarter net income of $3.9 billion, or $4.34 per diluted share, while adjusted net income came in at $4.